I have been asking for help for one year

pLEASE HELP ANYONE THAT IS THERE, I HAVE 399 MINS TO PRINT FRMS, IS IT AN n1? HOW DO i WRITE IT LIKE A POC?

Beyond Thanks for your PM, but a bit lost as how to proceed, and time v fast running out, being evicted on 27th april, so if i can lodge claim, then judge can see what may bbe forthcoming, and help out, what do I need to do?I wiorked out the PPI reclaim contractually but I need someone to check over.

Hi Ozzy Thanks for looking at this, The loan was paid off early - settlement figure. I have made a claim for PPI which they have admitted was Mis Sold, however I wanted to claim the PPI Contractualy, they have said PPI + 8%, as for Contractually Sod Off, can you help we work out what it should be contractually, and if the agreement is out would that have made it unenforcable? I work out the cost of the refund to be: £819.25+ contractual interest at £6298.07 Total: £7117.32 Post was going to help me, but I believe he is unwell. Thanks

Sorry to post on here Beyond, but did you get my agreements back in Dec? Have just sent a PM with the details, sorry but I am in desperation fighting for my life now - roof about to go 10 days to cardboard city:(

Thanks Enron, I have it in writing and by voice following a meeting with Head of Customer Services that the account would not be sold off, however they said this about my egg loan, and I caught them selling on to DLC, and it was swiftly sent back to Egg, I was also then told that the CC account was in the process of being charged off, again, when I confronted them with this, they apologised and said must have been a mistake, and not to worry, so yes they say one thing and do another, they have actually given me full breakdown of all charges etc, I just need now someone to help me write this POC. I have been on this site now for 12 months and I'm still no further forward, I loose my apartment in 2 weeks, unless I can get these Poc;s in to court this week, to enforce wehat they already admitted they should not have done, after me taking them to the fos, but they hust want to deduct the charges from the card/loan balances, leaving me still in hardship, and worse off. I have the full SAR and I kept all my own statements, but they have no agreement, they were given LBA long ago, I served them with a 10/12, have informed ICO, and put CRA on Notice nothing making any difference, I paid my agreeded £1/month for a further 2 months after I legally had to

If you send me your email add , I can email you the spreadsheet, as it looks abit confusing here but I would go for contractual, of £927.43 +£18,599 Loan Details (From agreement) Actual Costs (Over full term of loan) Loan Amount £3,500.00 Total True Cost £7,893.00 PPI Premium £927.43 (A ) Total Interest £7,893.00 Total Loan Annual Int.% 40.56 Apr% 51.7 Annual PPI Int. £376.17 Monthly Int.% 3.380 Total PPI Int. £1,128.50 No. of Payments 36 No. of Years 3 Actual Costs (So far) Monthly Payment £219.25 Monthly PPI Int. £31.35 No. of Months Paid to Date 5 PPI Interest Paid to date £156.74 Settlement (If applicable) Settlement Figure £3,500.00 PPI Kept by Lender £- Settlement PPI Rebate £927.43 >>> Actual Settlement £4,427.43 What should be refund£927.43 Statutory Contractual Total Paid £1,052.83 £1,052.83 Total Interest £468.10 £17,546.31 Total Refund Required £1,520.93 OR £18,599.14 Date Calculated: 14/01/10 Statutory Interest (Simple) In Respect of: Date Incurred Amount Days since Charge Interest Rate Applied (APR) Interest on Payments Made Total Owed PPI Premium – Loan No. 1 20/06/04 £927.43 2034 8.00% £413.46 £1,340.89 PPI Premium Interest – Loan No. 1 - Month 1 20/06/04 £31.35 2034 8.00% £13.98 £45.33 PPI Premium Interest – Loan No. 1 - Month 2 20/07/04 £31.35 2004 8.00% £13.77 £45.12 PPI Premium Interest – Loan No. 1 - Month 3 20/08/04 £31.35 1973 8.00% £13.56 £44.91 PPI Premium Interest – Loan No. 1 - Month 4 20/09/04 £31.35 1942 8.00% £13.34 £44.69 £1,052.83 £468.10 £1,520.93

Let me plug in the figures for you, when I did it for a different company but same scenario I was a bit taken aback at the figure, but it was correct. Give me30 mins

Are you using the CAG PPI XLS calculator to work this out, it is really straightforward. As for Citi, watch them, they take everything to the final point, and then roll over. I had to write to Vikram Pandit in the USA before they acknowledged my complaint, its been through FOS who found them guilty, still negotiating direct, and they have stalled. I am trying to now enforce with a court order. Who are you dealing with? All major stuff now goes through Derby

Sorry to post here, but how do I send a PM to Bankfodder, as it won't go through as the inbox is full - have litigation questions etc in same vein

Watch them like a hawk, I have been through FO and now negotiating direct with them, strange things happen, and they try and make out all the time they are right and I must be mistaken- they will also terminate your account, and charge off the account yet still chase you for money

Good morning to you all, Can someone clarify for me, what I can claim back other than overlimits, unpaid dd, late charges, can I also claim the following: Interest at for example 1.240 per month is on one statement, each month is different amount Also cash interest at for example 2.6% I will be making claim for contractual interest - no where can I find an apr, i just have as I say the monthly amounts.... Also which spreadsheet should be used for calculating this, as there are quite a few. And are there nany up to date POC's? SAR request and CCA not sent, followed by LBA still n othing, have been paying £1 a month, but stopped, they terminated account back in July as they advised they would not be renewing my card, but then followed by arrears , default notices and again another We have terminated your account in Dec, how can it be terminated twice? Advised account in Dispute, yet still call, write etc, have now put CRA on Notice Many thanks

I should be on after 3pm, I appreciate you are trying to cover my back and help me there are other circumstances, is it better maybe for me to send you a PM?

I appreciate that, I just need to lodge the paperwork, if you cannot help, could you point me in the right direction. If my papers aren't in I won't stand a chance, also I have another case pending court date 29th Jan, and if I can prove funds coming, then I can uise it to help me a: get an adjournment or b: show the court that I am due funds

Will you be online much today, I need to dig it out, Its the acknowledgement of service I think, with my response, basically I received the claim form from CL Finance and I have to respond, came from Northampton. The contact details may I send you a PM a little later, again I have to go through - 15 files